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Sulaeman Rahman Nidar
FEB Universitas Padjadjaran
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Pengaruh Literasi Keuangan Dan Penyuluhan Terhadap Akses Kredit Mikro Formal Petani Sayuran Syafira Syafa’at, Iin Aulia; Nidar, Sulaeman Rahman
JURNAL MANAJEMEN PENDIDIKAN Vol 13, No 2 (2025): Jurnal Manajemen Pendidikan
Publisher : Universitas Pakuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jmp.v13i2.13119

Abstract

THE INFLUENCE OF FINANCIAL LITERACY AND EXTENSION PARTICIPATION ON FORMAL MICROCREDIT ACCESS AMONG VEGETABLE FARMERSThis study analyzes the influence of financial literacy and extension participation on access to formal microcredit among vegetable farmers in Cikidang Village, West Bandung Regency. Access to financing remains a major challenge for small-scale farmers in Indonesia, largely due to low financial literacy, limited knowledge of financing products, and minimal interaction with formal financial institutions. These conditions often reduce farmers’ confidence in applying for credit and hinder their ability to meet administrative requirements set by lenders. The research employed a quantitative method using questionnaires distributed to 127 farmers and logistic regression analysis. The findings indicate that both financial literacy and extension participation have a positive and significant effect on access to formal microcredit. The regression model explains 57.9% of the variation in credit access. A one-unit increase in financial literacy raises the likelihood of obtaining credit by 2.15 times, while participation in extension activities increases the likelihood by up to 29.76 times. These results emphasize that farmers with stronger financial understanding are better equipped to recognize the benefits of credit, manage risks, and complete required documentation. Likewise, extension activities enhance farmers’ knowledge of credit procedures, application steps, and strategies for using loans productively. Overall, improving financial literacy and strengthening extension participation are essential measures to enhance farmers’ access to formal microcredit services and support sustainable agricultural development.
Co-Authors Agustin, Sheilla Putri Aldrin Herwany Andrianto, Charles Apriliani Damayanti, Savira ARMEN ZULHAM Asep Mulyana Azharn Nafis Ihsani Badi'ah, Roudlotul Bahri, Reza Fathul Budi Harsanto Dian Inda Sari Diana Sari Egi Arvian Firmansyah Eka Yulianti Elnovani Lusiana Erman Sumirat Hilmiana Hilmiana Hilmiana Ira Aprilianti Ira Aprilianti Kartini, Iis Komala Dewi, Rita Kurniawan Saefullah Kurniawan, Meinanda Layyinaturrobaniyah Layyinaturrobaniyah Meinanda Kurniawan Mokhamad Anwar, Mokhamad Muhammad Faqih As Shiddieq Nana Prihatna Noviany, Henny Nurul Azizah Putra, Wira Pramana Rachmad Hidayat Ratna Komara Ratna Komara Rizki Agung Ponco Utomo Rully Setiawan Sirrin Tijan Husnal Maisuri, Adilla Sudarso Kaderi Wiryono Sumengkar, Apung Sutisna Sutisna Sutisna Sutisna Syafa'at, Iin Aulia Syafira Syafira Syafa’at, Iin Aulia Umi Kaltum Widianto, Sunu Wiji Astuti Wirdayanti, Yosita Nur Yudi Ahmad Faisal